The Power of
Compound Interest
How money grows when you let time do the heavy lifting — and why starting early is the most powerful financial decision you can make.
A = P(1 + r)t
Principal
The amount you invest today. Even a modest starting sum can grow enormously given sufficient time — but principal is actually the least important of the three variables in the long run.
Doubling principal doubles returnsRate of Return
Your annual return determines how fast compounding accelerates. Even a 1–2% difference in rate creates staggering gaps over decades. This is why smart investment strategy matters.
+1% rate ≈ +25% more after 30 yrsTime
By far the most powerful lever. Starting just ten years earlier can outweigh doubling your principal. The compounding effect is almost invisible early on — and then it becomes extraordinary.
10 extra years ≈ 2× the outcomeTap a bar to see amounts
The compound bonus — interest on your interest — starts as a sliver and becomes the dominant source of growth after year 15. It rewards patience above everything else.
The Rule of 72
Divide 72 by your expected annual return to estimate how many years it takes your money to double. It's a remarkably accurate shortcut that helps you think clearly about long-term goals — and why a few extra percentage points of return make such a large difference.
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